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Credit Cards

Choosing a Gold Credit Card

Today's Gold credit cards and fees

  • Higher credit limits
  • Look for bonus rewards points
  • Benefits such as travel insurance

Try the Advanced Search - to refine your options further

Card Rewards Points Annual Fee Interest Rate Balance Transfer  
American Express Velocity Gold Card
American Express Velocity Gold Card
15,000 Bonus Points + Pay Half Annual Fee
  • Earn Uncapped Velocity Points for every $1 spent
  • Free Additional Cardholders
  • Complimentary Insurances
up to2 $199Save $100 20.74% 0.99%for 6 months
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American Express Qantas American Express Premium Credit Card
American Express Qantas American Express Premium Credit Card
Reduced Annual Fee + 30,000 Bonus Points
  • Earn Qantas Points for every $1 spent
  • Complimentary Qantas Club Lounge Invitations
  • Domestic & Overseas Travel Insurance Included
up to2 $249Save $100 20.74% 0.99%for 6 months
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Bank of Melbourne Gold Low Rate Visa Card
Bank of Melbourne Gold Low Rate Visa Card
  • Range of Complimentary Insurance Covers
  • 3 Free Additional Cardholders
  $79 15.99% -
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BankSA Gold Low Rate Visa Card
BankSA Gold Low Rate Visa Card
  • Range of Complimentary Insurance Covers
  • 3 Free Additional; Cardholders
  $79 15.99% -
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Commonwealth Bank Low Fee Gold Credit Card
Commonwealth Bank Low Fee Gold Credit Card
Up to $200 Cash back
  • Low Annual Fee
  • Free Additional Cardholder
  • Range of Complimentary Insurances
  $90Current Offer 19.74% 5.99%for 5 months
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Commonwealth Bank Low Rate Gold
Commonwealth Bank Low Rate Gold
Up to $200 Cash back
  • Ongoing Low Purchase Interest Rate
  • Free Additional Cardholder
  • Range of Complimentary Insurances
  $120Current Offer 12.99% 5.99%for 5 months
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Commonwealth Bank Gold Awards Credit Card
Commonwealth Bank Gold Awards Credit Card
Up to $200 Cash back
  • Earn Awards Points or Qantas Points (Direct Earn Option)
  • Range of Complimentary Insurances
  • Wide selection of points redeeming options
up to2 $144Current Offer 20.24% 5.99%for 5 months
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St.George Gold Low Rate Visa Card
St.George Gold Low Rate Visa Card
  • Range of Complimentary Insurance Covers
  • 3 Free Additional Cardholders
  $79 15.99% -
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Suncorp Bank Clear Options Gold Credit Card
Suncorp Bank Clear Options Gold Credit Card
  • Earn Suncorp Rewards Points
  • Complimentary Insurances
  • Free Additional Cardholder
1 $120 20.50% -
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About Gold Credit Cards

Gold credit cards are often viewed as a symbol of prestige and are deemed a step up from a basic credit card. However, a gold credit card is much more than just a status symbol as they also come with a range of benefits and rewards. The variety of benefits attached to these cards differs enormously and therefore it is important to compare gold credit cards carefully to ensure you are receiving a good rate.

Benefits of Gold Credit Cards

Not all gold credit cards are the same and the benefits that the cards offer do vary. Some examples of potential benefits include:

  • Purchase protection insurance
  • Lower interest rates on purchases
  • Specialised customer service
  • International travel insurance
  • Frequent Flyer or Rewards Points programs
  • Access to airport lounges
  • Rental car excess insurance coverage
  • Gym & spa memberships
  • Fraud and identity protection
  • Emergency assistance
  • Bonus or discount offers at selected partners such as restaurants
  • Commission free travellers cheques
How to get a Gold Credit Card

The key to obtaining a gold credit card lies in your credit history. Banks and credit providers generally only offer their gold credit cards to those they feel are an acceptable credit risk, and often apply minimum earnings requirements.

Gold Credit Card Annual Fees

As with any finance decision it is crucial that you compare gold credit cards carefully to ensure that the annual fee you will be charged is acceptable for the benefits and services that will be received in return. The annual fees for gold credit cards are generally around the $100 to $200 mark but can push up much higher. Each different gold credit card will offer a different set of benefits and the annual fee often reflects the quality of benefits received.

Reward Points on Gold Credit Cards

Often gold credit cards attract higher levels of reward points and incorporate bonus point structures. Generally you do pay more for these types of cards so it is important to understand the structure of the rewards program to ensure that you are receiving a good rate.

Why compare Gold Credit Cards?

What is the right gold credit card? There are a number of banks and lenders in competition to offer you gold credit card services. The offers from these companies constantly change as they strive to win your business, and as such there are many new benefits that are being added to these programs. A Gold Credit Card Comparison will show the different types of cards and benefits that are on offer and allow you to make an informed decision.

Compare Credit Cards

View credit cards from the following credit card providers...

American Express Credit Cards BankSA Credit Cards Commonwealth Bank Credit Cards NAB Credit Cards Virgin Money Credit Cards
Aussie Credit Cards Citibank Credit Cards David Jones Credit Cards St.George Credit Cards Westpac Credit Cards
Bank of Melbourne Credit Cards Coles Credit Cards HSBC Credit Cards Suncorp Bank Credit Cards Woolworths Credit Cards

Disclaimer:

WhistleOut is not suggesting that you apply for a particular credit card provided by any of the following credit providers, nor are we trying to assist you to apply for a credit card from any of the following providers. We recommend that you seek professional advice before acting upon any information provided on this web site.

WhistleOut may receive a commission from some credit card providers.
 

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Credit Card Promotions Wrap-Up: April Edition

Credit Card Promotions Wrap-Up: April Edition

Editor's overview four promotions available on Credit Cards in April.